AVIOM Interview Questions, Process, and Tips

Q1. How can you assess income of a Customer
Ans. 
Assessing a customer's income involves analyzing their sources of income, employment status, financial statements, and credit history.
• Reviewing pay stubs or income tax returns

• Verifying employment status with employer

• Analyzing bank statements for regular deposits

• Checking credit reports for income information

• Considering additional sources of income such as rental properties or investments
Answered by AI
Add your answer

Who are eligible for customer loan, how to provide them

Q1. Who is eligible
Add your answer
Q2. How to provide them loan
Add your answer
Q3. Who have Best cibil score
Ans. 
Individuals with a high credit score have the best CIBIL score.
• Individuals who consistently make timely payments on their loans and credit cards.

• People who have a low credit utilization ratio.

• Those who have a long credit history with a mix of different types of credit accounts.

• Borrowers who have not defaulted on any loans or credit card payments.

• Customers who regularly check their credit report for errors and take step
Answered by AI
Add your answer
Q4. Who's busines is running well
Ans. 
Many businesses are running well, including tech companies, e-commerce platforms, and healthcare providers.
• Tech companies like Apple and Google are experiencing strong growth due to high demand for their products and services.

• E-commerce platforms such as Amazon and Shopify are thriving as more consumers shop online.

• Healthcare providers are seeing increased demand for medical services and products, especially during the
Answered by AI
Add your answer
Q5. Who have Best income
Add your answer

Q1. Basic questions regarding your experience
Add your answer
Q2. How to read property papers
Ans. 
Reading property papers involves understanding legal terms, verifying property details, and checking for any encumbrances.
• Start by checking the title deed to verify ownership details

• Review the property survey to confirm boundaries and dimensions

• Check for any existing mortgages, liens, or easements on the property

• Examine the property tax receipts to ensure they are up to date

• Consult a legal expert if you are unsure abou
Answered by AI
Add your answer
Q3. How to read Legal report?
Ans. 
Legal reports should be read carefully and thoroughly to understand the legal implications and recommendations.
• Start by reading the executive summary to get an overview of the report.

• Pay attention to the facts presented and the legal analysis provided.

• Look for any recommendations or conclusions made by the legal experts.

• Check for any references or citations to understand the basis of the legal opinions.

• Consider seeking...read more
Answered by AI
Add your answer
Q4. How to read technical report?
Ans. 
To read a technical report, one must first understand the purpose, structure, and key components of the report.
• Understand the purpose of the report and what information it aims to convey.

• Review the executive summary for a high-level overview of the report.

• Examine the methodology section to understand how the data was collected and analyzed.

• Analyze the results and findings to draw conclusions based on the data presented...read more
Answered by AI
Add your answer

Q1. Your responsibility to our company
Ans. Anything that helps this company to do better
Answered Anonymously
View 1 more answer

Q1. Take us through your CV
Ans. 
I have over 10 years of experience in credit management, with a proven track record of reducing bad debt and improving cash flow.
• Started my career as a Credit Analyst at ABC Bank, where I analyzed credit data and financial statements to determine the creditworthiness of potential borrowers.

• Promoted to Credit Manager at XYZ Corporation, where I led a team of credit analysts and implemented strategies to reduce delinquen...read more
Answered by AI
Add your answer
Q2. How much portfolio you have built and how it is performing
Ans. 
I have built a portfolio of $50 million with a 95% performing rate.
• Built a portfolio of $50 million

• Portfolio is performing at a rate of 95%

• Regularly monitor and analyze portfolio performance
Answered by AI
Add your answer
Q3. How you access micro Home loans and Lap for no income proof segment? Is it easier or difficult compared to higher ticket size loans for formal income segment ?
Ans. 
Accessing micro Home loans and Lap for no income proof segment requires alternative methods compared to higher ticket size loans for formal income segment.
• Accessing micro Home loans and Lap for no income proof segment may involve assessing the applicant's assets and collateral instead of income proof.

• For higher ticket size loans for formal income segment, income proof and credit history are typically the main factors c...read more
Answered by AI
Add your answer
Q4. Your understanding of property papers in your state
Ans. 
Property papers in my state include title deed, sale deed, encumbrance certificate, and property tax receipts.
• Title deed is a legal document proving ownership of the property.

• Sale deed is a document showing the transfer of ownership from seller to buyer.

• Encumbrance certificate verifies that the property is free from any legal dues or liabilities.

• Property tax receipts show that all taxes related to the property are paid
Answered by AI
Add your answer
Q5. Your Strengths and Weakness
Ans. 
My strengths include strong analytical skills and attention to detail. My weakness is that I can be overly critical of my own work.
• Strengths: strong analytical skills

• Strengths: attention to detail

• Weakness: overly critical of my own work
Answered by AI
Add your answer

Q1. Previous employment company and many questions.
Add your answer

Q1. Which location do you work?
Add your answer
Q2. What is your Work experience?
Add your answer
Q3. Previous company name and experience letter?
Add your answer
Q4. Field location and how to sourcing file for your job?
Ans. 
Field location and sourcing files are crucial for a Loan Officer's job.
• Field location refers to the physical location where the loan officer conducts business, such as a bank branch or office.

• Sourcing files involves gathering necessary documents and information from various sources to process loan applications.

• Examples of sourcing files include pay stubs, tax returns, bank statements, and credit reports.
Answered by AI
Add your answer